1 is to high for this company. Today I received a email from SM stating that my loan was denied, but on the OpenNet site I was approved. I start college next week!! My college has today me that everything was good and all that was left was to show up and start school. Of course SM had to send me the email the day my whole family is holding a going away party and a weekend so that I have a week to get all this mess together. It's taken a lot of time and money to get into my college and there just ****-in with me now. Lets see what happens Monday when I call them and find out whats going on.